Paying rent, loans or mortgage during COVID-19

  • Yukon Housing Corporation clients
  • Residential renters and landlords
  • Mortgage payment relief ‒ traditional lenders
  • Student loans
  • Apply for assistance to pay your rent online

You may be facing financial hardship because of the COVID-19 pandemic. If so, visit the Government of Canada website to find some tips for handling your situation.

  1. Yukon Housing Corporation clients

    Rent

    Find out your options

    If you've lost income because of the COVID-19 pandemic, you may be able to have your rent payment reassessed.  Contact your community housing office by phone or email to discuss your options.

    How to pay your rent

    Whitehorse and some community housing offices will stay open. However, during the pandemic, we're avoiding cash transactions.

    You can make a payment by:

    • signing up for an Electronic Fund Transfer; or
    • arranging to come into an office to pay by debit.

    Remember, for all in-person interactions, Yukon Housing Corporation staff will maintain a physical distance of at least 2 metres (6 feet). Please respect this distance from staff and from other clients.

    Loans and mortgages

    If you're a Yukon Housing Corporation loan or mortgage client and you're unable to make your payment, you can request a deferral of your payment.

    If you have an immediate need for a deferral, please email your program officer.

    If you do not know who your program officer is, you can email your request ykhouse@gov.yk.ca.

    Timeline requirements for loans and grants clients

    Yukon Housing Corporation will extend deadlines for loans and grants if clients cannot meet their project's timeline.

    We're waiving the requirement for pre-approved loans clients to submit quotes for work to be done within 90 days.

    More information

    For questions about paying rent, loans or mortgages as a Yukon Housing Corporation client email ykhouse@gov.yk.ca or phone 867-667-5759, toll-free in Yukon 1-800-661-0408, extension 5759.

  2. Residential renters and landlords

    A new Ministerial Order supports tenants who:

    • may have to follow a COVID-19 health-protection measure after June 25, 2020; or
    • owe back rent due to COVID-19 loss of income from March 26 to June 25, 2020.

    The order includes the following:

    • a landlord may not evict a tenant if they breach the tenancy agreement or the Residential Landlord and Tenant Act because they are subject to a health-protection measure;
    • a landlord may not enter a rental unit while the tenant or someone in their household is under a health-protection measure;
    • a tenant may end their tenancy early with 30 days' notice if they're unable to pay rent because of COVID-19 loss of income;
    • as of July 1, 2020, a tenant must pay rent as per the tenancy agreement, unless they're under a health-protection measure; and
    • a tenant must pay their rent arrears to their landlord by December 31, 2020.

    Paying rent arrears

    • A tenant who accrues rent arrears because they're subject to a health-protection measure after June 25, 2020, has until December 31, 2020 to repay.
    • If a tenant who is not subject to a health-protection measure accrues rent arrears after June 25, 2020, the landlord may serve them with a notice to end tenancy.
    • A tenant who has accrued rent from March 26 to June 25, 2020 because they or a member of their household were under a health-protection measure or because of loss of income due to COVID-19, has until December 31, 2020 to repay.

    What happens if a tenant or a member of their household has COVID-19?

    If a tenant or a member of their household becomes subject to a health-protection measure, the tenant must immediately notify the landlord and provide the following information:

    • state that they're subject to a health-protection measure;
    • the date that they expect the health-protection measure to be lifted; and
    • any change to the above.

    If a tenant is unable to pay rent on time because they are subject to a health-protection, they must immediately notify their landlord by providing them with following information:

    • the tenant is unable to pay rent because they are subject to a health-protection measure;
    • the measures that the tenant is taking to access other sources of income;
    • the date when the tenant expects to be able to pay the rent; and
    • any change to the above.

    What is a health-protection measure?

    A health-protection measure means any of the following as it relates to a tenant or a member of the tenant’s household and COVID-19:

    • a quarantine of the person;
    • a restriction on the movement of the person or class of people, to and from the rental unit ‒ a health officer imposes the measure under the Public Health and Safety Act;
    • a restriction of a person's movement if it's recommended by or is under the authority of the Chief Medical Officer of Health or the Chief Public Health Officer ‒ it does not include physical distancing; and
    • hospitalization of the person.

    Can the landlord ask for proof?

    A landlord may ask a tenant to provide evidence that is “reasonable.”

    The landlord cannot ask a tenant to provide a certificate issued by a doctor or nurse practitioner. The purpose of this is to not overload the medical system.

    If the landlord is not satisfied with the evidence, they can apply to the Residential Tenancies Office for a determination whether a term of the Ministerial Order applies.

    What if the landlord doesn’t believe that the regulation should apply to the tenancy?

    The landlord may apply to the Residential Tenancies Office for an exemption.

    Entry by the landlord into a unit

    If a tenant gives a landlord notice that they or a member of their household is under a health-protection measure, the landlord cannot enter the rental unit unless:

    • the landlord has an order from the Residential Tenancies Office;
    • the tenant appears to have abandoned the rental unit; or
    • there's an emergency and it's necessary for the landlord to enter the rental unit to protect life or property.

    Late payment of rent after June 25, 2020

    What the tenant must do if they're under a COVID-19 health-protection measure

    The tenant must pay the unpaid rent as soon as they're able to, or by December 31, 2020 – whichever comes 1st.

    The tenant may end the tenancy early by giving the landlord 30 days' notice.

    Unless the tenant is under a health-protection measure, all rent that's due as of July 1, 2020, must be paid in full as per the residential tenancy agreement.

    What about filing applications for dispute resolution?

    If a landlord serves a tenant with a notice to end tenancy for cause and the tenant is subject to a health-protection measure within 4 days of receiving it then all the deadlines are suspended. This is until the until the tenant is no longer subject to a health-protection measure.

    If a landlord serves a tenant with a notice to end tenancy without cause and the tenant is subject to a health-protection measure within 9 days of receiving the notice then all deadlines are suspended. This is until the tenant is no longer subject to a health-protection measure. Tenants may dispute evictions suspended in this way once they are no longer subject to a health-protection measure.

    What happens if a tenant is under a health-protection measure when their tenancy ends?

    A tenant who is subject to a health-protection measure at the same time as their tenancy is set to end, may stay in the rental unit until 4 days after they are no longer subject to a health-protection measure. They must pay rent on a prorated basis for the time that they are overholding.

    What about serving documents?

    If 1 party has the email address for another, they may serve documents by sending them to that email.

    The documents will be considered served:

    • either the earliest date that the party confirms receipt by email; or
    • 5 days after it was sent.

    How long will this order be in effect for?

    It will be in effect until the COVID-19 state of emergency ends.

    Contact

    Residential Tenancies Office

    Email: rto@gov.yk.ca
    Phone: 867- 867-667-5944 or toll free in Yukon: 1-800-661-0408, extension 5944

    For questions about the Residential Landlord and Tenant (COVID-19) Regulation email rto@gov.yk.ca or phone 867-667-5944, toll free 1-800-661-0408, extension 5944.

  3. Mortgage payment relief ‒ traditional lenders

    Who can apply?

    Bank customers who are:

    • in good standing; and
    • have been impacted by COVID-19.

    Visit the Canadian Bankers Association website to learn more about the program or visit your bank's website.

  4. Student loans

    The Department of Education will continue to support those who are attending:

    • post-secondary education; and
    • other training opportunities.

    Canada student loan or grant

    The Canada Student Loan Service Centre put measures in place to help students and recent graduates who have student loans.

    • Student loan repayment will be suspended until September 30, 2020.
    • Interest will not be charged to borrowers on their student loans from March 30, 2020, to September 30, 2020.

    These measures are only in place for federal student loans, unless your loan was issued by:

    • Newfoundland;
    • New Brunswick;
    • Ontario;
    • Saskatchewan; or
    • British Columbia.

    Find out more about measures for federal student loans.

    Yukon Grant

    Students will still be able to apply for the Yukon Grant as they normally would. Students can apply anytime using our online application. Processing applications for the 2020‒21 school year:

    • starts in mid-May; and
    • approvals typically start in June.
  5. Apply for assistance to pay your rent online

    This is an application for a grant to landlords on behalf of tenants in private market rental housing. It is available for tenants who have lost 30% or more of their income due to COVID-19 and live in the Yukon.

    Apply for COVID-19 Rent Assist